topic Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! in Rebuilding Your Credit https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246263#M279731 <P>congrats. you should see a nice bump. The 60 day lates are scored harsher, and that 90 day late is a major derogatory... good to be rid of them.&nbsp;</P> Tue, 25 Jun 2013 20:11:22 GMT Anonymous 2013-06-25T20:11:22Z I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246237#M279726 <P>I sent a GW to my local credit union that carries my (closed) credit card and current automobile loan. I was honset and stated that I messed up. Truthfully, they are a really good credit union and I would like to do more business with them in the future. They have great rates and great service. I was sad that I tarnished our relationship....</P><P>&nbsp;</P><P>Today I recieved an email from their credit bureau rep. (they have an in-house rep to specifically handle disputes and gw). They deleted ALL my lates from my automobile (I have 3) AND 10 of the 13 on the credit card.</P><P>&nbsp;</P><P>I am uber grateful!!!! Thanks for all the advice... It's hard to learn from other people's mistakes... but I'm definetly learning from MINE!!!</P><P>&nbsp;</P><P>Any thoughts on what kind of jump I may see? The credit card is closed and has been since last year. It had 13 lates total (7 -30 days, 4 - 60 days and 1 - 90 days) now it will be updated to 3 -30 days only. As per the auto I had 3 -30 days that will be updated to 0.</P><P>&nbsp;</P><P>&nbsp;</P> Tue, 25 Jun 2013 19:55:10 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246237#M279726 Anonymous 2013-06-25T19:55:10Z Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246263#M279731 <P>congrats. you should see a nice bump. The 60 day lates are scored harsher, and that 90 day late is a major derogatory... good to be rid of them.&nbsp;</P> Tue, 25 Jun 2013 20:11:22 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246263#M279731 Anonymous 2013-06-25T20:11:22Z Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246537#M279749 Any thought on an actual numerical increase? 5 points? 20 points? Bazillion points?! Tue, 25 Jun 2013 22:05:53 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2246537#M279749 Anonymous 2013-06-25T22:05:53Z Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2249855#M280045 Bump? Thu, 27 Jun 2013 01:17:09 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2249855#M280045 Anonymous 2013-06-27T01:17:09Z Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2249999#M280064 <P>No idea as to the points, but I'm hoping for the bazillion!</P> Thu, 27 Jun 2013 02:25:28 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2249999#M280064 Shogun 2013-06-27T02:25:28Z Re: I'm Smitten! GW to Auto AND CC from Local CU - MY WISH IS GRANTED! https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2263581#M281219 <P>Looks like the credit card has updated to reflect 10 less lates than before. That alone bumped me 14 points. Nice to be going in the right direction! I wont be able to pull credit again till mid July to see whats remaining... but the alerts seem to help (minus some details)....</P><P>&nbsp;</P><P>Thanks to everyone that has offered and posted thier questions. Everything has helped tremendously in the last few months to be closer to both our goal and a more responsible credit future.</P> Tue, 02 Jul 2013 14:56:18 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/I-m-Smitten-GW-to-Auto-AND-CC-from-Local-CU-MY-WISH-IS-GRANTED/m-p/2263581#M281219 Anonymous 2013-07-02T14:56:18Z